Reply. Hi Melissa: To completely avoid mortgage insurance payments, you would have to put 20% down and it has to be a conventional loan. However, if you go with a conventional loan for your next home, you can take a look at a lender-paid mortgage insurance program like PMI Advantage.
Theoretically, you can become lactose intolerant at any point. While it is true that most people show their intolerance to lactose early in life, people can get it in their teenage years, or even in adulthood. Lactose intolerance is caused by a deficiency in the enzyme lactase in the inner lining of the GI wall.
Youâre all set! Lactose intolerance varies among ethnic groups. It is less common in people of Northern and Eastern European descent and more common in people from South America, Africa and Asia. If a person catches a stomach virus that causes vomiting and diarrhea, he may become lactose-intolerant temporarily.